<ARTICLE>                                            9

<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED BALANCE SHEET AT MARCH 31, 1997 (UNAUDITED), CONSOLIDATED
CONDENSED STATEMENT OF INCOME FOR THE THREE MONTHS ENDED MARCH 31, 1997
(UNAUDITED) AND THE NOTES TO THE CONSOLIDATED CONDENSED FINANCIAL STATEMENTS AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<MULTIPLIER>                                   1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   MAR-31-1997
<CASH>                                              12,906
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                    18,425
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         52,792
<INVESTMENTS-CARRYING>                              22,932
<INVESTMENTS-MARKET>                                22,750
<LOANS>                                            269,139
<ALLOWANCE>                                          2,761
<TOTAL-ASSETS>                                     382,663
<DEPOSITS>                                         341,607
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  1,860
<LONG-TERM>                                         14,425
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            10,403
<OTHER-SE>                                          14,368
<TOTAL-LIABILITIES-AND-EQUITY>                     382,663
<INTEREST-LOAN>                                      6,304
<INTEREST-INVEST>                                    1,028
<INTEREST-OTHER>                                       113
<INTEREST-TOTAL>                                     7,445
<INTEREST-DEPOSIT>                                   3,396
<INTEREST-EXPENSE>                                   3,645
<INTEREST-INCOME-NET>                                3,800
<LOAN-LOSSES>                                          146
<SECURITIES-GAINS>                                     (91)
<EXPENSE-OTHER>                                      2,693
<INCOME-PRETAX>                                      1,148
<INCOME-PRE-EXTRAORDINARY>                             767
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           767
<EPS-PRIMARY>                                         0.33
<EPS-DILUTED>                                         0.33
<YIELD-ACTUAL>                                       0.090
<LOANS-NON>                                          4,987
<LOANS-PAST>                                           427
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     2,665
<CHARGE-OFFS>                                           52
<RECOVERIES>                                             2
<ALLOWANCE-CLOSE>                                    2,761
<ALLOWANCE-DOMESTIC>                                 2,542
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                219